Page 2 of 3 FirstFirst 123 LastLast
Results 11 to 20 of 27

Thread: Something Positive during COVID-19 - Auto Insurance refunds

  1. #11
    Senior Member dspace9's Avatar
    Join Date
    Dec 2016
    Location
    Canada
    Country
    Canada
    Posts
    1,563
    Thanks
    955
    Thanked 284 Times in 240 Posts
    Quote Originally Posted by Mark View Post
    No apology necessary. I switched insurance companies when I bought my Mirage, but I have a combined homeowner's and two vehicle policy. The switch was driven by the savings on my homeowner's policy more than the vehicles, however.

    It pays to shop around, and the insurance for Mirage does seem high to me, too.
    I think my insurance is higher because of the area I live is rural. And then on top of that, insurance tells me price is all about "rebuild cost".. and that is how house insurance is costed.

    And also auto insurance may be higher in rural. So I might switch to a local insurance, that's not based in Toronto. Ugh lol banks

    Brand name insurance means I'm paying for the name, and if they don't pick up their phone what do I do in an emergency.

    Long story short I need a broker who specializes in rural postal codes to make the most of my insurance options. Postal code is a zip code.


    Last edited by dspace9; 04-08-2020 at 09:31 PM.

        __________________________________________

        click to view fuel log View my fuel log 214 Mirage ES 1.2 manual: 39.8 mpg (US) ... 16.9 km/L ... 5.9 L/100 km ... 47.8 mpg (Imp)


  2. #12
    I'M ESSENTIAL Fummins's Avatar
    Join Date
    Oct 2016
    Location
    Alberta
    Country
    Canada
    Posts
    3,942
    Thanks
    1,591
    Thanked 1,789 Times in 1,194 Posts
    I can see house insurance costing more being in the boonies but not auto. My car insurance went up when I moved to the city, I moved 30 mins away and it dropped significantly. At least around here, car insurance will cost more if you live in the city compared to a large town with far less traffic/accidents/claims.

    I was with a small town brokerage for about 23ish years even though I moved to the city 20 years ago. I switched my junk over to the company the wife deals with out of convenience and the rates were similar. I don't miss having to wait til monday to get insurance on something you bought on a friday night or waiting for call backs that don't happen.
    My mom says I'm cool

        __________________________________________

        click to view fuel log View my fuel log 2014 Mirage SE wussie cvt edition. 1.2 automatic: 36.7 mpg (US) ... 15.6 km/L ... 6.4 L/100 km ... 44.1 mpg (Imp)


  3. #13
    Senior Member dspace9's Avatar
    Join Date
    Dec 2016
    Location
    Canada
    Country
    Canada
    Posts
    1,563
    Thanks
    955
    Thanked 284 Times in 240 Posts
    I'm not sure what to do insurance wise. I think it looks bad to switch insurance all the time. I will call my local brokers and see what they quote me. No obligation. I have had my insurance with td for 6 years and I am wondering if buying insurance direct isn't the cost savings I thought. I liked my old local broker, but they were expensive as well. I liked their free promo items

        __________________________________________

        click to view fuel log View my fuel log 214 Mirage ES 1.2 manual: 39.8 mpg (US) ... 16.9 km/L ... 5.9 L/100 km ... 47.8 mpg (Imp)


  4. #14
    I'M ESSENTIAL Fummins's Avatar
    Join Date
    Oct 2016
    Location
    Alberta
    Country
    Canada
    Posts
    3,942
    Thanks
    1,591
    Thanked 1,789 Times in 1,194 Posts
    We're with bel air direct right now. I was with wawanesa through a broker previously. Only claim I had was about 10 years ago hitting a moose and it was dealt with pretty fast. Switching company's isn't a big deal, I can't see rates being affected other than maybe loosing some loyalty or long term customer discount. It pays to shop around. I don't though lol .
    My mom says I'm cool

        __________________________________________

        click to view fuel log View my fuel log 2014 Mirage SE wussie cvt edition. 1.2 automatic: 36.7 mpg (US) ... 15.6 km/L ... 6.4 L/100 km ... 44.1 mpg (Imp)


  5. The Following User Says Thank You to Fummins For This Useful Post:

    dspace9 (04-08-2020)

  6. #15
    Senior Member dspace9's Avatar
    Join Date
    Dec 2016
    Location
    Canada
    Country
    Canada
    Posts
    1,563
    Thanks
    955
    Thanked 284 Times in 240 Posts
    Quote Originally Posted by Fummins View Post
    We're with bel air direct right now. I was with wawanesa through a broker previously. Only claim I had was about 10 years ago hitting a moose and it was dealt with pretty fast. Switching company's isn't a big deal, I can't see rates being affected other than maybe loosing some loyalty or long term customer discount. It pays to shop around. I don't though lol .
    That's funny you say that. I was with wawanesa through my old local broker as well. Back in the day. They're out of Winnipeg.

    My game plan is I will complain to TD first and see where that gets me.

    Do you think those deer whistles work? I don't see moose near me, but deer yes. I even know the spots where you will see them. I have seen some BIG deer but I stay off the road dawn and dusk.
    Last edited by dspace9; 04-08-2020 at 10:43 PM.

        __________________________________________

        click to view fuel log View my fuel log 214 Mirage ES 1.2 manual: 39.8 mpg (US) ... 16.9 km/L ... 5.9 L/100 km ... 47.8 mpg (Imp)


  7. #16
    Senior Member
    Join Date
    Aug 2017
    Location
    Richland Center
    Country
    United States
    Posts
    2,831
    Thanks
    43
    Thanked 873 Times in 706 Posts
    Quote Originally Posted by dspace9 View Post
    I'm not sure what to do insurance wise. I think it looks bad to switch insurance all the time. I will call my local brokers and see what they quote me. No obligation. I have had my insurance with td for 6 years and I am wondering if buying insurance direct isn't the cost savings I thought. I liked my old local broker, but they were expensive as well. I liked their free promo items
    I switched from a single brand name insurance company (like American Family, Allstate, State Farm) several years ago. Since then I use what are called independent agents who utilize several different lesser known insurance companies to serve their clients. It's their job to shop around & come up with the best plan for me.

    Living beyond 10 miles of a fire department & having wood stoves puts my house at a higher risk. Some companies will not cover rural homes with wood stoves. Thus, the independent agents work around those sort of parameters.

    Not all independent agents are the same, however. Even then it pays to shop around after some time. Like I said earlier, I switched my combined homeowners/auto insurance when I bought my Mirage in the fall of 2017.

    The switch was a bit complicated by the fact that my former agent was a family friend. Her husband teaches & coaches basketball with me. I felt bad switching, but she couldn't compete with the other independent agent. My new agent also has an excellent reputation, & many of personal friends use him for their home & auto insurance.

    I've been a public school teacher/coach for 34 years in a small town area. I know a lot of people, and even more people know me. That can have its pluses & minuses.

  8. #17
    Senior Member
    Join Date
    Aug 2017
    Location
    Richland Center
    Country
    United States
    Posts
    2,831
    Thanks
    43
    Thanked 873 Times in 706 Posts
    Quote Originally Posted by dspace9 View Post
    . Do you think those deer whistles work? I don't see moose near me, but deer yes. I even know the spots where you will see them. I have seen some BIG deer but I stay off the road dawn and dusk.
    Googled it - "Unfortunately, there is no hard evidence that deer whistles work – that deer can actually hear the whistles or, if they do, that they're turned away from the road," says Russ Rader, spokesman for the U.S. Insurance Institute for Highway Safety."

    I prefer getting those big ones with my compound bow or .308 Winchester.

    I totally get what you are saying about deer. The concern over hitting a deer on the road is the number one reason, I sold my motorcycle. If deer whistles worked, I may have kept my bike!

    I do believe hitting your bright headlights when seeing a deer next to the road makes the issue worst. Whereas we see color better, deer see better at night. Thus, bright lights are going to blind them more. They have more light receptors.

  9. #18
    Senior Member dspace9's Avatar
    Join Date
    Dec 2016
    Location
    Canada
    Country
    Canada
    Posts
    1,563
    Thanks
    955
    Thanked 284 Times in 240 Posts
    Quote Originally Posted by Mark View Post

    Living beyond 10 miles of a fire department & having wood stoves puts my house at a higher risk. Some companies will not cover rural homes with wood stoves. Thus, the independent agents work around those sort of parameters..
    The previous owners of my house had a wood stove out back when I moved in. Not sure the make, a heavy iron-clad wood stove sort of deal. Under a gazebo, all built way too close to the house.

    So my insurance found out, and said that the wood stove would void my house insurance 100% on the spot. So a few weeks later I made a deal with my local roofers...they needed/wanted more cash for their job, so I made a deal and got rid of the wood stove.

    Regarding what you say there about deer Mark, I think deer can see almost 360 degrees, and we are way more limited. I think pigs never actually can look up, so they ruin the ground around Texas the feral ones.
    Last edited by dspace9; 04-08-2020 at 11:27 PM.

        __________________________________________

        click to view fuel log View my fuel log 214 Mirage ES 1.2 manual: 39.8 mpg (US) ... 16.9 km/L ... 5.9 L/100 km ... 47.8 mpg (Imp)


  10. #19
    Senior Member
    Join Date
    Aug 2017
    Location
    Richland Center
    Country
    United States
    Posts
    2,831
    Thanks
    43
    Thanked 873 Times in 706 Posts
    Quote Originally Posted by dspace9 View Post
    The previous owners of my house had a wood stove out back when I moved in. Not sure the make, a heavy iron-clad wood stove sort of deal. Under a gazebo, all built way too close to the house.

    So my insurance found out, and said that the wood stove would void my house insurance 100% on the spot. So a few weeks later I made a deal with my local roofers...they needed/wanted more cash for their job, so I made a deal and got rid of the wood stove.

    Regarding what you say there about deer Mark, I think deer can see almost 360 degrees, and we are way more limited. I think pigs never actually can look up, so they ruin the ground around Texas the feral ones.


    As far as deer whistles go, I think removing your muffler would work better!
    Last edited by Mark; 04-09-2020 at 06:39 AM.

  11. The Following User Says Thank You to Mark For This Useful Post:

    dspace9 (04-09-2020)

  12. #20
    Senior Member dspace9's Avatar
    Join Date
    Dec 2016
    Location
    Canada
    Country
    Canada
    Posts
    1,563
    Thanks
    955
    Thanked 284 Times in 240 Posts
    Quote Originally Posted by Mark View Post
    As far as deer whistles go, I think removing your muffler would work better!
    That's how things were with my Ford Escort at the end. My uncle from Alberta rigged something up, then that fell off being a soup can. Commendable job from my old uncle who was working with a soup can and some metal brackets, and that was it. Then through another source, we rigged up a custom pipe.

    Loud car, extra horsepower, and people still talk about it.


    Last edited by dspace9; 04-09-2020 at 07:13 AM.

        __________________________________________

        click to view fuel log View my fuel log 214 Mirage ES 1.2 manual: 39.8 mpg (US) ... 16.9 km/L ... 5.9 L/100 km ... 47.8 mpg (Imp)


Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •